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Cruising and Sailing with Children All things sailing and kids related, from safety to life aboard.


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  #31  
Old 05-05-2014
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Re: Canadian Credit cards to travel with

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Originally Posted by killarney_sailor View Post
....I find it mildly astonishing that I can go to an ATM in Vanuatu or Lesotho and it will give me money from my account half way around the world.
Yet, so many cry bloody murder that the bank that owns the ATM wants to charge you a fee. I find paying to take money from a bank that doesn't even have my account to be the fee that makes the most sense. How much would you charge a stranger to give them money out of your wallet and then go to their bank to get it back. It is amazing. It wasn't all that long ago that each bank issued their own currency. If you got too far from home, no one would accept it.
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  #32  
Old 05-05-2014
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Re: Canadian Credit cards to travel with

Thanks guys. Looks like Scotiabank it shall be .
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  #33  
Old 05-06-2014
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Re: Canadian Credit cards to travel with

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Originally Posted by Minnewaska View Post
Yet, so many cry bloody murder that the bank that owns the ATM wants to charge you a fee. I find paying to take money from a bank that doesn't even have my account to be the fee that makes the most sense. How much would you charge a stranger to give them money out of your wallet and then go to their bank to get it back. It is amazing. It wasn't all that long ago that each bank issued their own currency. If you got too far from home, no one would accept it.

I have NO issue at all with atm fees

what I do have issue with is the undislcosed stuff that you later learn about...

I got so good with my bank wells fargo that when I travelled they automatically checked up on me...asking if indeed I had been out of the country, withdrawing x amounts etc...

sometimes though I would get a really extreme charge on both ends of the withdrawal

I wish I remember what country and what atm it was...

my point was that I search those banks and atms that have a good partnership with whatever bank it is I have back "home"

for example here in el salvador the best bank for me to withdraw money from was CITI bank

I did not get a fee back home, and I only had a 2.50 fee on citis atm

now if I went to other banks I could get as high as $10 fee and a charge back home

the most I ever got charged back home was $15 plus an atm fee of around $10 PLUS the currency exchange rate

meaning for $500 withdrawal say in an unknown atm in yemen or wherever, I would lose $25 right off the bat, then lose around 5-8% for the excahnge rate that went to the atm of said bank

so thats another 25 bucks or so...so you lose a lot

thats why its important to check on what banks worldwide are partners with your bank back home

you can save a lot of money and hassle

btw

a lot of atms simply deny you a withdrawal for some reason, if that happens once dont try and do it again and again...use another brand of bank atm...

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